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It is widely evident that trust and commitment are important pillars for strengthening the relationship between financial service firms and their customers. However, it has not been explored how the service quality, perceived cost and role of agents are important for financial service firms. To overcome this gap, this study aims to investigate the role of service quality, perceived cost and the role of agents as the commitment–trust factors in the financial insurance service (Takaful) in Malaysia, enhancing customer satisfaction.

The study follows a quantitative design in which primary data was collected using a survey instrument. The measurement instrument was adapted from the previous research, and data were collected from 264 customers of the Takaful financial service organizations in Malaysia. The data were analyzed using variance-based structural equational modeling in Smart-PLS software.

This research has revealed several useful insights that demonstrate a significant impact on service quality, perceived cost and the agents’ role in forging close relationships with their customers. Corporate image has a moderating role in relationships and has significantly impacted takaful insurance companies. The results imply that regardless of the corporate image of the financial service organizations, customers are concerned about the prices and the quality of the agents’ services.

In this study, only the predictors such as service quality, perceived costs and agents’ roles as trust–commitment factors were examined to determine customer satisfaction. Other investigations are highly recommended, such as value co-creation in takaful, takaful customer experience and takaful trust. This study offers insights to takaful insurance companies on how to keep up a positive corporate image, which will boost their trust–commitment factors and ultimately increase customer satisfaction.

By presenting commitment–trust factors and company image in an identifiable framework, the current study has expanded the discussion on takaful financial insurance services. The methodology is developed and rigorously tested to gauge customer satisfaction in takaful financial service organizations’ context.

E-learning system has been widely acknowledged to have positive impacts on the learning process. Nevertheless, the intention to use it is globally low, thereby constituting puzzles to be solved. This study aims to proffer some insights to solve the puzzles.

The data of the study were collected through an online survey among 425 students of four private universities using interactive electronic board systems. Partial least squares structural equation modeling was used to analyze the data.

The significant results of the study reveal that system quality, information quality and teaching materials significantly influenced perceived usefulness. Technology innovativeness and information quality also significantly influenced perceived ease of use. Perceived usefulness and perceived ease of use equally influenced e-learning intention.

This research is one of the few studies that conceptualize a framework to study intention to use e-learning generally, and interactive electronic board in particular among four private universities using technology innovativeness, system quality, information quality, perceived usefulness, perceived ease of use and teaching materials.